The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$31,286
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,259
−HK$988/mo
Today · 4.125%
HK$33,247
baseline
▲ 0.50% · 4.625%
HK$35,270
+HK$2,023/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$66,494/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,805
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,738
−HK$947/mo
Today · 4.125%
HK$36,685
baseline
▲ 0.50% · 4.625%
HK$38,619
+HK$1,934/mo
Deposit HK$6.86M · loan HK$6.86M · min. income ≈ HK$73,370/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$514,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,543
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,710
−HK$1,187/mo
Today · 4.125%
HK$39,897
baseline
▲ 0.50% · 4.625%
HK$42,324
+HK$2,427/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$79,794/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,766
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,886
−HK$1,136/mo
Today · 4.125%
HK$44,022
baseline
▲ 0.50% · 4.625%
HK$46,343
+HK$2,321/mo
Deposit HK$5.49M · loan HK$8.23M · min. income ≈ HK$88,044/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$514,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,800
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,162
−HK$1,384/mo
Today · 4.125%
HK$46,546
baseline
▲ 0.50% · 4.625%
HK$49,379
+HK$2,833/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$93,092/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,727
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,034
−HK$1,325/mo
Today · 4.125%
HK$51,359
baseline
▲ 0.50% · 4.625%
HK$54,067
+HK$2,708/mo
Deposit HK$4.12M · loan HK$9.60M · min. income ≈ HK$102,718/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$514,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,314
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,066
−HK$1,779/mo
Today · 4.125%
HK$59,845
baseline
▲ 0.50% · 4.625%
HK$63,487
+HK$3,642/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$119,690/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,649
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,329
−HK$1,704/mo
Today · 4.125%
HK$66,033
baseline
▲ 0.50% · 4.625%
HK$69,514
+HK$3,481/mo
Deposit HK$1.37M · loan HK$12.35M · min. income ≈ HK$132,066/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$514,507 · Scale 2, in force from 26 Feb 2026)